Recourse Factoring

Recourse factoring means an overdraft facility with the company's sales receivables as security. Services included are collection and cover for buyer risk with credit insurance.

Your benefits

Recourse factoring is a good choice if your company wants to improve its liquidity or perhaps make collection more efficient. It is also suitable for financing your company’s growth and the need for working capital resulting from strong seasonal fluctuations.

  • Improved liquidity
  • Buyers are more punctual with their payments when the financier handles collection
  • The financing amount will adjust to the needs of your business
  • You can improve your company's competitiveness by utilising the terms of payment
  • You can streamline your operations by outsourcing routines


Recourse factoring speeds up the cash flows from realised sales and accelerates the circulation of money. Your company will receive up to 80% of the amount of the invoice on the next banking day and the remainder when the buyer pays the invoice. Recourse factoring is used via Netbank.

Recourse factoring is suitable for

  • B2B invoicing
  • when the customer base is mostly established
  • the annual amount of invoicing is at least 700,000 euros (incl VAT)
  • domestic and export receivables

Recourse factoring is not suitable for

  • consumer invoicing
  • start-up enterprises
  • invoicing based on payment by installments

Export receivables

Recourse factoring is a handy solution for the challenges of exports: lack of working capital arising from long payment terms and the risk relating to the foreign buyers’ repayment capacity.

Export company's benefits

  • good liquidity despite the long terms of payment
  • elimination of 90% of the credit loss risk with credit insurance
  • easier administration of export trade